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Bursar's Office

Table 1-5 Deferments for Federal Perkins and National Direct Loans

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Borrower is eligible to defer repayment:	National Direct Loan made before 10/1/80	National Direct Loan made on or after 10/1/80 but before 7/1/93	Perkins Loan made before 7/1/93	Federal Perkins and Direct Loans made on or after 7/1/93
While enrolled at least half-time  (medical internship/residency excluded)	Yes (1)	Yes*	Yes*	Yes*(2)
While seeking and unable to find full-time employment	No	No	No	Yes* Up to 3 years
While experiencing periods of economic hardship	No	No	No	Yes* Up to 3 years
While engaged in service that qualifies for cancellation	No	No	No	Yes*
While serving in an eligible internship/ residency	No	Yes*  Up to 2 years	Yes*  Up to 2 years	No
While a member of U.S. Army, Navy, Air Force, or Coast Guard	Yes  Up to 3 years	Yes*  Up to 3 years	Yes*  Up to 3 years	No
While a Peace Corps volunteer or Vista volunteer	Yes  Up to 3 years	Yes*  Up to 3 years	Yes*  Up to 3 years	No
While a full-time volunteer for a tax-exempt organization in service comparable to Peace Corps or Vista	No	Yes*  Up to 3 years	Yes*  Up to 3 years	No
While an officer in the Commissioned Corps of U.S. Public Health Service	No	Yes*  Up to 3 years	Yes*  Up to 3 years	No
While temporarily totally disabled or unable to attend school or work because caring for temporarily totally disabled spouse/dependent	No	Yes* (3)  Up to 3 years	Yes* (4)  Up to 3 years	No
While on full-time duty as a member of the NOAA Corps	No	No	Yes*  Up to 3 years	No
While a mother of preschool-age children and starting or returning to work at salary no more that $1 above minimum hourly wage	No	No	Yes*  Up to 3 years	No
During period of hardship to the borrower, (prolonged illness or unemployment)**	Yes	Yes	Yes	No
During forbearance, if the borrower's Title IV loan repayment obligations equals or exceeds 20% of borrower's gross income or borrower qualifies for other acceptable reasons **	Yes	Yes	Yes	No.

Notes:

1. Defense Loans made before October 1, 1980, allow deferments of up   to 3 years for students enrolled less than half- time 
2. Includes graduate fellowship, fellowship-supported study, and    approved rehabilitation programs. 
3. Spouse only. 
4. Spouse or other dependent.
   

 *This deferment is followed by a six-month grace period before repayment begins; during the grace period, principal need not be paid and interest does not accrue.

**Principal may be deferred, but interest continues to accrue